Compare Spearman, TX Car Insurance Rates (2021)

Car insurance in Spearman, TX averages $323 a month. Spearman, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Spearman car insurance rates, compare quotes from the top car insurance companies in Spearman, TX.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • Average car insurance rates in Spearman, TX are $3,881/year
  • Average car insurance rates in Spearman, TX after a DUI are $4,399/year
  • The cheapest car insurance company in Spearman for teen drivers is USAA

If you need to buy Spearman, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in Spearman, TX is right here.

You’ll find Spearman car insurance rates, the cheapest Spearman, TX car insurance companies, and information on Texas car insurance laws. You can also compare Spearman, Texas car insurance rates to Arlington car insurance rates, Dallas car insurance rates, and Corpus Christi car insurance rates.

Ready to find affordable Spearman, TX car insurance today? Enter your ZIP code for fast, free Spearman car insurance quotes.

Cheapest Spearman, TX Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Spearman, TX car insurance rates? Every Spearman, Texas car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Spearman, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,617 $3,674 $3,576 $3,576 $9,094 $11,053 $4,481 $4,710
American Family $3,596 $3,933 $3,073 $3,467 $7,765 $10,326 $4,847 $5,510
GEICO $2,406 $2,529 $2,193 $2,379 $4,937 $5,209 $2,605 $2,669
Nationwide $2,671 $2,729 $2,351 $2,503 $7,453 $9,632 $3,124 $3,393
Progressive $2,325 $2,240 $2,051 $2,100 $9,248 $10,331 $2,773 $2,845
State Farm $1,710 $1,710 $1,510 $1,510 $3,898 $4,933 $1,845 $1,907
USAA $1,594 $1,639 $1,497 $1,531 $4,047 $4,518 $2,138 $2,373

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Spearman, TX

Every driver must carry the minimum car insurance in Spearman, TX. Take a look at the Texas car insurance requirements.

Minimum Required Car Insurance Coverage in Spearman, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Spearman, TX Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Spearman, TX. Compare credit history car insurance rates in Spearman from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Spearman, Texas

Insurance Company Poor Fair Good
Allstate $6,978 $5,093 $4,347
American Family $7,562 $4,490 $3,892
GEICO $4,803 $2,724 $1,820
Nationwide $5,100 $4,065 $3,531
Progressive $4,805 $4,114 $3,798
State Farm $3,369 $2,096 $1,669
USAA $3,624 $2,022 $1,606

Cheapest Spearman, TX Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Spearman, TX to rates for a clean record with top companies.

Annual Spearman, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,354 $6,467 $6,715 $4,354
American Family $4,886 $6,113 $5,374 $4,886
GEICO $2,646 $3,395 $2,988 $3,435
Nationwide $3,658 $3,658 $5,466 $4,145
Progressive $3,704 $4,738 $4,333 $4,182
State Farm $2,134 $2,420 $2,824 $2,134
USAA $1,833 $2,638 $3,094 $2,103

Cheapest Spearman, TX Car Insurance for Teen Drivers

Teen car insurance in Spearman, TX can be expensive. Take a look at rates from the top car insurance companies in Spearman for teenagers.

Annual Car Insurance Rates for Teen Drivers in Spearman, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,094 $11,053
American Family $7,765 $10,326
GEICO $4,937 $5,209
Nationwide $7,453 $9,632
Progressive $9,248 $10,331
State Farm $3,898 $4,933
USAA $4,047 $4,518

Cheapest Spearman, TX Car Insurance for Seniors

Take a look at Spearman, TX senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Spearman, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,576 $3,576
American Family $3,073 $3,467
GEICO $2,193 $2,379
Nationwide $2,351 $2,503
Progressive $2,051 $2,100
State Farm $1,510 $1,510
USAA $1,497 $1,531

Cheapest Spearman, TX Car Insurance Rates After a DUI

A DUI in Spearman, TX increases car insurance rates. Compare Spearman, Texas DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Spearman, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,715
American Family $5,374
GEICO $2,988
Nationwide $5,466
Progressive $4,333
State Farm $2,824
USAA $3,094

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Spearman, TX Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Spearman, TX by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Spearman, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,351 $5,594
American Family $5,315 $5,315
GEICO $3,047 $3,185
Nationwide $4,232 $4,232
Progressive $4,239 $4,239
State Farm $2,378 $2,378
USAA $2,385 $2,449

The Best Cheap Car Insurance Companies in Spearman, TX

Take a look at a side-by-side comparison of the top car insurance companies in Spearman, TX to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Spearman, Texas

Insurance Company Average Annual Rates
Allstate $5,473
American Family $5,315
GEICO $3,116
Nationwide $4,232
Progressive $4,239
State Farm $2,378
USAA $2,417

Category Winners: Cheapest Car Insurance in Spearman, Texas

Find the cheapest car insurance companies in Spearman, TX for each category right here.

Best Annual Car Insurance Rates by Company in Spearman, Texas

Category Insurance Company
Teenagers USAA
Seniors State Farm
Clean Record USAA
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation USAA

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Spearman, TX Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Spearman car insurance rates. Find the cheapest Spearman, TX car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Spearman, Texas

Insurance Company Low Medium High
Allstate $5,358 $5,430 $5,630
American Family $5,075 $5,192 $5,677
GEICO $3,022 $3,096 $3,230
Nationwide $4,596 $4,046 $4,054
Progressive $4,082 $4,223 $4,413
State Farm $2,268 $2,371 $2,496
USAA $2,364 $2,412 $2,475

What affects car insurance rates in Spearman, Texas?

What factors can have an impact on Spearman, TX car insurance? There are several reasons why Spearman car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Spearman, Texas.

Car Theft in Spearman

High levels of vehicle theft can make car insurance more expensive. Spearman, TX car theft statistics from the FBI indicate 1 vehicle thefts a year.

Commute Time in Spearman

The more time you spend in your car the higher the risk of an accident. The average commute length in Spearman, TX is 16.3 minutes according to City-Data.

Compare Car Insurance Quotes in Spearman, TX

Ready to find affordable Spearman, Texas car insurance today? Enter your ZIP code for fast, free Spearman, TX car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption